The old axiom “the cure is worse than the disease” may hold some truth from a life insurance underwriting standpoint. I can’t imagine an underwriter that would give equal consideration to well controlled diabetes if the control is at the risk of a drug induced heart attack.

With the FDA voting 22 to 1 to allow continued sales of Avandia, it’s sure to be around for a while. Kind of a head scratcher when they also voted 20-3 to accept the evidence that Avandia increases the risk of heart attack.

I read some very good commentary on that issue by Bev Sklar who posts for The Diabetes Blog.

Bottom line, like interferon treatment for Hepatitis C, I would be surprised if more conservative underwriters don’t start looking at what drug keeps your hbA1c in check. Just one more argument for an independent life insurance agent who keeps check on subtle underwriting changes.

This post is somewhat dated. Life insurance underwriting is changing and evolving continually. For more updated information check out some of the key word links. If you have a specific question or topic you need information for do a search. If you don’t find the answers you need contact me and we’ll make sure you get the information that is important to you.

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